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PNB MetLife Guaranteed Savings Plan – Review (2023) – Is it Good or Bad?

by Holistic Leave a Comment | Filed Under: Insurance

Listen to this article


A secure financial future is a dream for all.

Financial security will let you cherish each moment with your loved ones.

PNB MetLife has come up with a Guaranteed Savings Plan, which helps you to accumulate a corpus to achieve your short-term to long-term goals as per your choice along with life cover to protect your loved ones in your absence.

Will this plan really give you a Safe, Happy & Financially Secure Future as it claims to be?

Let us find out by understanding and analyzing the policy in detail.

Table of Contents:

1.) What is the PNB MetLife Guaranteed Savings Plan?

2.) Features of the PNB MetLife Guaranteed Savings Plan

3.) Policy at a glance: PNB MetLife Guaranteed Savings Plan

4.) Benefits of the PNB MetLife Guaranteed Savings Plan

    • Maturity Benefit
    • Guaranteed Addition
    • Death Benefit

5.) Additional Benefits of the PNB MetLife Guaranteed Savings Plan

6.) Free look-up period of the PNB MetLife Guaranteed Savings Plan

7.) The grace period, Discontinuance (Lapse) & Revival of the PNB MetLife Guaranteed Savings Plan

8.) Surrendering the PNB MetLife Guaranteed Savings Plan

9.) Advantages of the PNB MetLife Guaranteed Savings Plan

10.) Disadvantages of the PNB MetLife Guaranteed Savings Plan

11.) Research Methodology

12.) IRR of the PNB MetLife Guaranteed Savings Plan

13.) PNB MetLife Guaranteed Savings Plan Vs Other Investments

14.) PNB MetLife Guaranteed Savings Plan Vs. PPF Vs. ELSS

15.) Final Verdict

What is the PNB MetLife Guaranteed Savings plan?

PNB MetLife Guaranteed Savings Plan is an individual, Non-linked, Non-Participating, Savings, Life insurance plan.

This plan helps to accumulate corpus to fulfill your dreams in the short or long run. This plan gives live cover for the entire policy term. It offers guaranteed benefits, which include Guaranteed Additions on cumulative premiums. This policy claims your dreams are protected as the benefits are guaranteed.

Features of the PNB MetLife Guaranteed Savings Plan:

  • Flexibility in choosing the premium paying term – 5, 7, 10 years
  • Premium payment mode – Annual, Half yearly, or Monthly.
  • Life cover for the entire policy term & Death benefit payable as Lumpsum.
  • Guaranteed Additions will be added at the end of each Policy Year during the Premium Payment Term.

Policy at a glance of the PNB MetLife Guaranteed Savings Plan:

Let us look at the eligibility criteria to get a basic idea about the policy below;

Premium Paying Term (years)  5 Pay 7 Pay 7 Pay 10 Pay
Policy Term (years)  10 12 15 20
Minimum age at entry (years) 8 6 3 3
Maximum age at entry (years) 60
Maximum age at Maturity (years) 70 72 75 80
Minimum annual premium 46480 24970 21068 14178
Maximum annual premium As per Board approved underwriting policy
Minimum Sum assured 400000 200000 200000 150000
Maximum Sum Assured As per Board approved underwriting policy
Multiple of premium Age at entry more than 45 years – 7X or 10X

Less than 45 years – 10X

Premium payment mode Annual, Half-yearly, Monthly

Benefits of the PNB MetLife Guaranteed Savings Plan:

Maturity Benefit:

On survival of the Life Assured till the end of the policy term, Sum Assured on Maturity plus accrued Guaranteed Additions will be paid, provided all due premiums have been received.

Sum Assured on Maturity:

Premium Payment Type  5 Pay 7 Pay 10 Pay
Sum Assured on Maturity (% of Basic Sum Assured) 70% 100% 130%

Guaranteed additions:

Guaranteed Additions will be added at the end of each Policy Year during your Premium Payment Term provided all the due Premiums have been received for that Policy Year.

Guaranteed Additions = Guaranteed Addition rate X Sum of all premiums received to date.

Premium Paying Term (years) GA applied to cumulative premiums at the end of each policy year, only during Premium Payment Term
5 Pay 5%
7 Pay 7%
10 Pay 10%

Death benefit:

2 multiples can be chosen at the inception of the policy and they cannot be changed during the term of your policy.

Age at entry Multiple Annual Premium applied
45 years and above 7x or 10x
Less than 45 years  10x

The nominee shall receive Sum Assured on Death plus accrued Guaranteed Additions as on the date of death of the policyholder.

Sum Assured on Death is the highest of;

  • Annualised Premium x Multiple of Annual Premium, as per the Multiple Option chosen
  • 105% of the total premiums paid up to the date of death.
  • Basic Sum Assured (BSA).

Additional Benefits of the PNB MetLife Guaranteed Savings Plan:

Flexible premium payment modes & modal factors:

Premium Paying Mode   Modal Factors
Half Yearly  0.5131
Monthly  0.0886

Riders:

  • PNB MetLife Accidental Death Benefit Rider Plus (UIN: 117B020V03)
  • PNB MetLife Serious Illness Rider (UIN: 117B021V03)

Loans:

Once the policy has acquired a Surrender Value, you can take a loan against the policy.

The maximum amount that can be availed is 90% of the Special Surrender Value.

Free look-up period of the PNB MetLife Guaranteed Savings Plan:

If the policyholder is not satisfied with the terms & conditions of the PNB MetLife Guaranteed Savings Plan, then it can be returned/cancelled.

The policyholder will get a refund of the premium after the charges are deducted.

The free look period is 15 days from the date of receiving your policy if the policy is purchased directly. It will be extended up to 30 days in case it was purchased in distance mode.

You have the right to cancel the Policy by providing written notice within 15 days for the normal mode or 30 days for distance mode. The premium you paid will be refunded.

The grace period, Discontinuance (Lapse) & Revival of the PNB MetLife Guaranteed Savings Plan:

Grace period:

The grace period for payment of the premium is 15 days, in case the policyholder pays the premium on a monthly and it will be extended up to 30 days in all the other cases.

Discontinuance:

If the premiums for the first two years are not paid in full by the policyholder, the policy lapses at the end of the grace period, and the risk cover, and rider benefits, if any, will cease immediately.

You have the option to either surrender your policy or continue it as a Paid-Up policy with reduced benefits.

The death benefit & Maturity benefit is reduced proportionately to the premium paid by you so far.

Revival:

You can revive your lapsed / Paid-up policy and the riders for its full coverage within five years from the due date of the first unpaid premium.

By paying all outstanding premiums together with interest and/or late fees, your policy can be revived.

Once the policy has been revived, all the benefits will be restored to their full value.

Surrendering the PNB MetLife Guaranteed Savings Plan:

If all premiums have been paid for at least two consecutive years of the PNB MetLife Guaranteed Savings Plan, your policy shall acquire a guaranteed surrender value.

If you choose to discontinue your Policy, you will be entitled to the Surrender Value, which is higher than the Guaranteed Surrender Value (GSV) or Special Surrender Value (SSV) of the policy.

Advantages of the PNB MetLife Guaranteed Savings Plan:

  • Non-linked & non-participating policy so the returns are guaranteed.
  • Flexibility in the premium paying term & mode.
  • As GA is calculated, the cumulative premium (generally calculated on annualised premium) will boost the maturity value.
  • Liquidity can be met through the loan option.
  • Tax benefit as per Sec 80 C & Sec 10 (10D) of Income Tax Act.

Disadvantages of the PNB MetLife Guaranteed Savings Plan:

  • The lock-in period is 2 years (For loan & Surrender)
  • Guaranteed additions & other benefits are high only for a high Sum Assured & policy with a longer-term period.

You can read the PNB MetLife Guaranteed Savings Plan brochure for further details.

Research Methodology:

Now, we have seen all the necessary details that we need to know about the PNB MetLife Guaranteed Savings Plan.

Let us do an in-depth analysis to gauge whether this plan can act as a long-term sustainable investment or not by calculating the IRR of the PNB MetLife Guaranteed Savings Plan.

Then let us compare PNB MetLife Guaranteed Savings Plan with other alternate investments to see which gives us a better return in the long term.

IRR of the PNB MetLife Guaranteed Savings Plan:

Let us calculate the IRR of the PNB MetLife Guaranteed Savings Plan by using an illustrative example, which is given below:

Let us assume the policyholder who is a 35-year-old Male takes up the policy with a;

Premium paying term 10
Policy term 20
Basic Sum Assured 5,56,917
Annual premium 50,000
BENEFITS AMOUNT (RS.)   
SUM ASSURED ON MATURITY (130% OF BASIC SUM ASSURED FOR 10 PAY)  7,23,992
ACCRUED GUARANTEED ADDITIONS 2,75,000
TOTAL 9,98,992
Age Year Annualised premium / Maturity benefit Sum assured
31 1 -50,000 5,56,917
32 2 -50,000 5,56,917
33 3 -50,000 5,56,917
34 4 -50,000 5,56,917
35 5 -50,000 5,56,917
36 6 -50,000 5,56,917
37 7 -50,000 5,56,917
38 8 -50,000 5,56,917
39 9 -50,000 5,56,917
40 10 -50,000 5,56,917
41 11 0 5,56,917
42 12 0 5,56,917
43 13 0 5,56,917
44 14 0 5,56,917
45 15 0 5,56,917
46 16 0 5,56,917
47 17 0 5,56,917
48 18 0 5,56,917
49 19 0 5,56,917
50 20 0 5,56,917
51 21 9,98,992
IRR 4.51%

In the case of this traditional endowment policy,

The IRR works out to be around 4.51%, which is very low even compared to your Bank FD rate of Interest.

Though the returns are guaranteed, the returns on your investment in this policy are not inflation-beating returns.

PNB MetLife Guaranteed Savings Plan VS Other Investments:

As an alternative to the PNB MetLife Guaranteed Savings Plan, you can invest the money in other alternate investments that can give you a better investment return.

If you are planning to go for a risk-free investment, you can choose PPF for the long term. If you feel that your risk tolerance is higher, then you can choose ELSS as a long-term investment option.

There are also many other options available for sustainable investments in the long run.

Let us explore the alternates and compare their IRR with the PNB MetLife Guaranteed Savings plan in a detailed analysis.

PNB MetLife Guaranteed Savings Plan Vs. PPF Vs. ELSS:

In order to have an inflation-beating return, we can look into other investment vehicles.

Let’s assume that we invest the same amount annually in two products.

One in pure term insurance for life cover & invest the balance in other investment products such as PPF and ELSS to accumulate wealth.

We have assumed a pure term policy with a sum assured of Rs. 5.5 lakhs for a 20-year policy term & the premium paying term is for 10 years.

Generally, a pure term policy is recommended with a higher sum assured.

In order to compare, we have chosen the same as in the Benefit illustration.

All the options are chosen similar to the PNB Metlife Benefit illustration.

Assumptions:

The premium for Pure Term Policy: Rs. 3,600

Balance amount for Investment: Rs. 46,400 (Invested in PPF / ELSS)

Total annual cash outflow: Rs. 50,000

The balance amount is invested in either PPF or ELSS depending on the risk appetite of the investor.

The PPF has a lock-in period of 15 years, so the minimum subscription is paid in the last 5 years.

Term Insurance + PPF Term insurance + ELSS
Age Year Term Insurance premium + PPF Death benefit Term Insurance premium + ELSS Death benefit
31 1 -50,000 5,50,000 -50,000 5,50,000
32 2 -50,000 5,50,000 -50,000 5,50,000
33 3 -50,000 5,50,000 -50,000 5,50,000
34 4 -50,000 5,50,000 -50,000 5,50,000
35 5 -50,000 5,50,000 -50,000 5,50,000
36 6 -50,000 5,50,000 -50,000 5,50,000
37 7 -50,000 5,50,000 -50,000 5,50,000
38 8 -50,000 5,50,000 -50,000 5,50,000
39 9 -50,000 5,50,000 -50,000 5,50,000
40 10 -47,500 5,50,000 -50,000 5,50,000
41 11 -500 5,50,000 0 5,50,000
42 12 -500 5,50,000 0 5,50,000
43 13 -500 5,50,000 0 5,50,000
44 14 -500 5,50,000 0 5,50,000
45 15 -500 5,50,000 0 5,50,000
46 16 0 5,50,000 0 5,50,000
47 17 0 5,50,000 0 5,50,000
48 18 0 5,50,000 0 5,50,000
49 19 0 5,50,000 0 5,50,000
50 20 0 5,50,000 0 5,50,000
51 21 13,68,810 26,05,604
IRR 6.60% 10.92%
  IRR Sum Assured Maturity Value
PNB MetLife Guaranteed Savings Plan 4.51% 5,56,917 9,98,992
Term Insurance + PPF 6.60% 5,50,000 13,68,810
Term Insurance + ELSS 10.92% 5,50,000 26,05,604

It is evident from the above analysis of the comparison between the other alternate investments IRR and the policy IRR that the PNB MetLife Guaranteed PNB Metlife Guaranteed Savings Plan is not beneficial to the investor in the long run as it does not yield inflation-beating returns like PPF or ELSS with the same amount invested in the policy.

Whereas investment in the combination of Pure Term Insurance with PPF or ELSS will give you a better return on investment in the long term.

Final Verdict:

Through this PNB MetLife Guaranteed Savings Plan, you may want to secure your future with guaranteed returns.

But this corpus will not be sufficient to meet any of your life’s financial goals.

Also, the life cover provided by the PNB MetLife Guaranteed Savings Plan is not adequate to secure your family’s future.

It would be helpful to your financial goals and the security of your family if you keep your investments and your insurance separate.

Alternatively, you can choose your chosen investment vehicle based on your risk appetite & time horizon of your financial goals.

Investing in either PPF or ELSS can give you an inflation-beating return & help you to achieve your life’s financial goals without any compromise.

Whereas a Pure term policy can protect your loved ones financially in the case of your absence.

It is crucial to make wise money choices to keep yourself and your family financially safe.

If you have any comments or questions, write them in the comment box below.

Or are you interested in creating a Comprehensive Financial Plan for your financial goals?

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Jey S
Jey S
24. September, 2021.
I have been using Holistic Investment Planners for the last three years. Mr. Srinivasavaradhan answered all my questions and doubts very patiently during the first free consultation. I was able to clearly define my short-, medium- and long-term goals once I signed up for the comprehensive plan and got their investment plan suggestion to achieve my goals. They are very polite and highly professional whenever I contact them for any queries or make investments. They never pressurize you to invest on their recommended financial products. I would have been lost money by investing directly without their help since I do not have time and knowledge about different financial products. Risk planning is also done as part of financial planning. Truly, they are holistic planners when it comes to your financial planning. They help you to define your life goals, understand your financial resources and establish a plan to invest towards reaching those goals. They do review your plan as you progress to make sure that you are on correct path to achieve those goals. Kudos to the team and keep up the good work!!! I am happy that I found holistic investment planners for my financial planning and management.
aksaswadkar
aksaswadkar
24. September, 2021.
I was about to retire and really not understanding how to invest money to have financial freedom and fulfilling my goals. Was desperately searching on internet way out and fortunately came across Holistic Investment Planners. I read number of articles on their website and realized that this is the agency which I want and engaged their services for my retirement planning. It is an excellent experience to be associated with Holistic. Right from day one our interaction was fantastic and they gave me such a wonderful plan that I had never imagined. I am fortunate enough to be in the client list of Holistic. I have recommended Holistic to my friends as well.
Lionel Faber
Lionel Faber
16. September, 2021.
I've been availing their services for the past year. They are highly knowledgeable in the field and are very patient with all doubts and queries. Personalized financial planning is provided keeping your short term, medium term and long term goals in mind. They do not pressurize you to purchase schemes of their choice. They provide their input and suggestions and leave the decision up to you which shows their honesty and high principle.
Sridhar
Sridhar
8. September, 2021.
Financial planning brings peace in life. Holistic Investment have supported in arriving financial plan based on future goals. My investments are regular since then. They are professionals in their business, will recommend others.
Nitesh Agrawal
Nitesh Agrawal
6. September, 2021.
I have been using Holistic Investment Planners from last one year. The journey has been fantastic. Being a finance person myself I always thought we can look after and plan own finances also. However, due to lack of time and deciplain the things are not always as desired. After joining with Holistic Investment for the first time Icame to know the Financial goals and quantified them. Some dreams were unrealistic based on the earnings and savings so had a reality check. Also got the information and deciplain of investing on regular and more rewarding securities. I definetly suggest to use Holistic Investment Planners. They are professionals, available and hear youor full story before presenting plans. They are flexile in the sense if there are some urgent deviations required, they help to plan the same. For all professionals/individuals I would suggest using professional help of Holistic Investment Planners for best results in long term investment and financial goals achivements. Last advise will be to start early in your life. It really pays well to start in the beginning itself else the dreams needs to adjust :)
Swetha Vasanth
Swetha Vasanth
6. September, 2021.
This is my first year service with the Holistic Team and I would say that they are very much helpful in creating a financial plan and follow ups during the year. I would definitely suggest them if anyone who is willing to proceed with their savings professionally.
Joseph Mathias
Joseph Mathias
6. September, 2021.
I came to know about Holistic Investment Planners online while searching for different investment ideas. Once I contacted them the journey was very smooth. Mr. Ramalingam explained all the aspects of Financial planning in detail and it opened my mind. I realized how important it is to have a Financial planning. Mr. Rajan suggested all the requirements as per my goals and made a Investment plan keeping in mind of my goals. I started my Investment journey with them. I wish I had done it some years back then it would have been in a different level. Review meetings were held every six month to check the implementation of the plan and check the results as per the requirements and to check if any changes required. Overall it was a good experience with Holistic Investment team and would like to continue in the years to come.
Srinvas Kannan
Srinvas Kannan
30. July, 2021.
I came across Holistic investment planners almost 5-6 years back, but I did not have the trust since I had met a few of them who did not sound promising. Then I started investing through a financial advisor of my friend. After 4 years of investing the returns were very low. I was disappointed and started looking for financial advisors when I came across Holistic investment. I had a detailed discussion about my goals and the way they would approach achieving my goal before deciding to switch my investments to them. After a thorough analysis of my then existing portfolios, they suggested new ones and we zeroed-in on 6 schemes/funds where our investment would be split. I am glad I made the decision of switching over and taking Holistic planner's advise, my returns are handsome and I only wish I could have taken their help/advise 5 years back itself. Neverthless, I would like to recommend their services for investment and financial advise if someone is serious about their investments.
Shivaram Andiappan Selvaraj
Shivaram Andiappan Selvaraj
3. July, 2021.
I got a free first time consultation. I got my doubts resolved. They also gave additional advises for investment planning which was also useful.
Nellai B
Nellai B
26. June, 2021.
I have been associated with them for the past three years. They are very professional and polite in answering all our questions. I have complete trust in their suggestions. I strongly recommend for anyone. I am looking forward to have strong and successful association with them.
Google rating score: 4.4 of 5,
based on 61 reviews

Google Reviews

Jey S
Jey S
24. September, 2021.
I have been using Holistic Investment Planners for the last three years. Mr. Srinivasavaradhan answered all my questions and doubts very patiently during the first free consultation. I was able to clearly define my short-, medium- and long-term goals once I signed up for the comprehensive plan and got their investment plan suggestion to achieve my goals. They are very polite and highly professional whenever I contact them for any queries or make investments. They never pressurize you to invest on their recommended financial products. I would have been lost money by investing directly without their help since I do not have time and knowledge about different financial products. Risk planning is also done as part of financial planning. Truly, they are holistic planners when it comes to your financial planning. They help you to define your life goals, understand your financial resources and establish a plan to invest towards reaching those goals. They do review your plan as you progress to make sure that you are on correct path to achieve those goals. Kudos to the team and keep up the good work!!! I am happy that I found holistic investment planners for my financial planning and management.
aksaswadkar
aksaswadkar
24. September, 2021.
I was about to retire and really not understanding how to invest money to have financial freedom and fulfilling my goals. Was desperately searching on internet way out and fortunately came across Holistic Investment Planners. I read number of articles on their website and realized that this is the agency which I want and engaged their services for my retirement planning. It is an excellent experience to be associated with Holistic. Right from day one our interaction was fantastic and they gave me such a wonderful plan that I had never imagined. I am fortunate enough to be in the client list of Holistic. I have recommended Holistic to my friends as well.
Lionel Faber
Lionel Faber
16. September, 2021.
I've been availing their services for the past year. They are highly knowledgeable in the field and are very patient with all doubts and queries. Personalized financial planning is provided keeping your short term, medium term and long term goals in mind. They do not pressurize you to purchase schemes of their choice. They provide their input and suggestions and leave the decision up to you which shows their honesty and high principle.
Sridhar
Sridhar
8. September, 2021.
Financial planning brings peace in life. Holistic Investment have supported in arriving financial plan based on future goals. My investments are regular since then. They are professionals in their business, will recommend others.
Nitesh Agrawal
Nitesh Agrawal
6. September, 2021.
I have been using Holistic Investment Planners from last one year. The journey has been fantastic. Being a finance person myself I always thought we can look after and plan own finances also. However, due to lack of time and deciplain the things are not always as desired. After joining with Holistic Investment for the first time Icame to know the Financial goals and quantified them. Some dreams were unrealistic based on the earnings and savings so had a reality check. Also got the information and deciplain of investing on regular and more rewarding securities. I definetly suggest to use Holistic Investment Planners. They are professionals, available and hear youor full story before presenting plans. They are flexile in the sense if there are some urgent deviations required, they help to plan the same. For all professionals/individuals I would suggest using professional help of Holistic Investment Planners for best results in long term investment and financial goals achivements. Last advise will be to start early in your life. It really pays well to start in the beginning itself else the dreams needs to adjust :)
Swetha Vasanth
Swetha Vasanth
6. September, 2021.
This is my first year service with the Holistic Team and I would say that they are very much helpful in creating a financial plan and follow ups during the year. I would definitely suggest them if anyone who is willing to proceed with their savings professionally.
Joseph Mathias
Joseph Mathias
6. September, 2021.
I came to know about Holistic Investment Planners online while searching for different investment ideas. Once I contacted them the journey was very smooth. Mr. Ramalingam explained all the aspects of Financial planning in detail and it opened my mind. I realized how important it is to have a Financial planning. Mr. Rajan suggested all the requirements as per my goals and made a Investment plan keeping in mind of my goals. I started my Investment journey with them. I wish I had done it some years back then it would have been in a different level. Review meetings were held every six month to check the implementation of the plan and check the results as per the requirements and to check if any changes required. Overall it was a good experience with Holistic Investment team and would like to continue in the years to come.
Srinvas Kannan
Srinvas Kannan
30. July, 2021.
I came across Holistic investment planners almost 5-6 years back, but I did not have the trust since I had met a few of them who did not sound promising. Then I started investing through a financial advisor of my friend. After 4 years of investing the returns were very low. I was disappointed and started looking for financial advisors when I came across Holistic investment. I had a detailed discussion about my goals and the way they would approach achieving my goal before deciding to switch my investments to them. After a thorough analysis of my then existing portfolios, they suggested new ones and we zeroed-in on 6 schemes/funds where our investment would be split. I am glad I made the decision of switching over and taking Holistic planner's advise, my returns are handsome and I only wish I could have taken their help/advise 5 years back itself. Neverthless, I would like to recommend their services for investment and financial advise if someone is serious about their investments.
Shivaram Andiappan Selvaraj
Shivaram Andiappan Selvaraj
3. July, 2021.
I got a free first time consultation. I got my doubts resolved. They also gave additional advises for investment planning which was also useful.
Nellai B
Nellai B
26. June, 2021.
I have been associated with them for the past three years. They are very professional and polite in answering all our questions. I have complete trust in their suggestions. I strongly recommend for anyone. I am looking forward to have strong and successful association with them.
Google rating score: 4.4 of 5,
based on 61 reviews

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